3-Bedroom Apartment in Bellamare, Punta Pacifica
BellamareSan Francisco
- 3 Beds
- 4 Baths
- 795 m²
$3,300,000
$4,151 / m²
Three-Bedroom Apartment at Monte Carlo, Ocean Reef San Francisco
Island living with panoramic ocean views at Monte Carlo
San Francisco, Panamá
Active
$3,350,000
USD$5,806 / m²
- 3Bed
- 4.5Bath
- 577 m²6,211 ft²
- 3Parking
Overview
Set on Ocean Reef Islands, this 577 m² Monte Carlo apartment combines an expansive three-bedroom layout with panoramic ocean views and the calm of an island address in Panama City. The residence is offered for USD 3,350,000 and includes three parking spaces, with electric-vehicle charging available in the parking area. Pets are allowed. Inside, marble floors, luxury finishes and sleek cabinetry define the interiors. The equipped kitchen is complemented by an auxiliary dining room and a laundry area. The apartment also features a balcony, air conditioning, energy-efficient windows, acoustic insulation and soundproof windows. Phone-controlled lighting adds a practical smart-home touch. Monte Carlo is a six-floor building with a rooftop pool overlooking the ocean and city, a rooftop BBQ area, private and multipurpose areas, private terraces, underground parking and security. Residents have direct access to the Marina & Yacht Club. The property is described as a short drive from Panama City’s business center, offering a quieter island setting with convenient city connections. Contact Casanova Realty to learn more or arrange a private viewing.
In Short
The Monte Carlo apartment for sale in Ocean Reef has three bedrooms, 577 m² of total area, three parking spaces, air conditioning, a balcony and an equipped kitchen. The building lists a rooftop pool, rooftop BBQ area, private and multipurpose areas, underground parking, security and direct access to the Marina & Yacht Club.
Before You Decide
- The 577 m² total area and three-bedroom layout suit buyers seeking a large apartment in Ocean Reef.
- Three parking spaces and EV charging availability are stated; confirm assignment and charger access.
- The stated HOA amount is USD 1,731; confirm its billing period and inclusions.
- Building amenities include a rooftop pool, BBQ area, private and multipurpose areas, security and marina/yacht-club access.
Highlights
- 577 m² total area in Monte Carlo, Ocean Reef
- Three bedrooms and a panoramic ocean view
- Three parking spaces; EV charging is available in the parking area
- Marble floors, luxury finishes and sleek cabinetry
- Equipped kitchen, auxiliary dining room and laundry area
- Rooftop pool with ocean and city views, plus a rooftop BBQ area
- Direct access to the Marina & Yacht Club
- Pets allowed; offered at USD 3,350,000
At a Glance
- Status
- Available
- Asking price
- USD 3,350,000
- Price per m²
- USD 5,805.89
- Bedrooms
- 3 bedrooms
- Total area
- 577 m²
- Parking
- 3 spaces
- HOA amount
- USD 1,731
- Year built
- 2024
- View
- Panoramic ocean view
- Property type
- Apartment
- Building
- Monte Carlo
- Neighborhood
- Ocean Reef
- City
- Panama City
- Listing ID
- CNV-PROP-035960
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 25 July 2024
- Last updated
- 4 October 2026
Gallery
14 photographs of this residence.
What's Included
Everything that stays with the residence.
- Marble Floors
- Luxury finishes
- Sleek cabinetry
- Equipped kitchen
- Auxiliary dining room
- Laundry area
- Phone controlled lighting
- Energy efficient windows
- Phone controlled lighting
- 3 parking spaces
Explore Apartment
Take a closer look before you travel.
No video on file for this unit yet. We can walk you through it live over WhatsApp — most buyers outside Panama start that way.
Features & Finishes
Layout
- Bedrooms
- 3
- Full baths
- 4
- Half baths
- 1
- Laundry room
- Yes
- Total
- 577 m² · 6,211 ft²
Parking & Storage
- Spaces
- 3
- Covered
- No
Interior
- Marble Floors
- Luxury finishes
- Sleek cabinetry
- Equipped kitchen
- Auxiliary dining room
- Laundry area
- Phone controlled lighting
- Energy efficient windows
Outdoor
- Balcony
Smart home
- Phone controlled lighting
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $3,350,000
- Price per m²
- $5,806 / m²
- HOA (monthly)
- $1,731
- Cash to close (est.)
- $1,005,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $1,005,000
- Loan amount
- $2,345,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$14,439
Principal and interest only
An illustration, not an offer. Panamanian banks lend up to about 70% to residents and 50–60% to non-residents; your rate depends on the bank, the term and your file.
Monthly Carrying Cost
HOA$1,731
Property tax$0
Insurance$0
Total, before mortgage:$1,731 / month
If you let it out
- HOA
- $1,731
How It Compares
- Asking price: USD 3,350,000.
- Calculated asking price per total area: USD 5,805.89 per m², based on USD 3,350,000 divided by 577 m².
- Three bedrooms and three parking spaces.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$5,806 / m²
San Francisco average$3,573 / m²
Panama average$4,306 / m²
Asking 62% above the San Francisco average — worth understanding what justifies it before you offer.
Investment Case
Monte Carlo offers a 577 m² apartment for USD 3,350,000, or approximately USD 5,805.89 per m². The stated HOA amount is USD 1,731; its billing period and inclusions have not been established.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · July 2024$3,350,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in San Francisco
San Francisco, Panamá
San Francisco on Casanova today
- Active sale listings
- 762
- Active rentals
- 0
- Median asking price per m²
- $2,062
Getting Around
San Francisco, Panamá, Panamá · Panama City
Address shown to neighborhood precision for the owner's privacy. The exact address is shared when a viewing is confirmed.
Frequently Asked Questions
How large is the Monte Carlo apartment?
The apartment has a total area of 577 m².
How many bedrooms and parking spaces does it have?
The apartment has three bedrooms and three parking spaces.
Are pets allowed in this apartment?
Pets are allowed in the apartment.
What amenities are listed for Monte Carlo?
The building offers a rooftop pool, private and multipurpose areas, a rooftop BBQ area, private terraces, underground parking, security, and direct access to the Marina & Yacht Club.
What is the HOA amount?
The stated HOA amount is USD 1,731.
How many floors does Monte Carlo have?
Monte Carlo is described as a six-floor building.
What year was the apartment built?
The apartment's stated year built is 2024.
How many parking spaces are included?
The apartment has three parking spaces.
Does the building have a pool?
Yes. Monte Carlo has a rooftop pool with ocean and city views.
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Interested in Three-Bedroom Apartment at Monte Carlo, Ocean Reef?
Speak to our team — viewings in person or by video, usually within 48 hours.